Senior Associate – Individual Insurance Inforce Risk Analysis

At Equitable, we believe work should be a place where you feel supported, inspired, and empowered to grow. In our caring and collaborative environment, your curiosity is encouraged, your passion is recognized, and your contributions truly matter. Together, we create meaningful impact, for our clients, our communities, and each other.

​​The Opportunity: ​ At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. 

Our culture is built on care, passion and curiosity. We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes.

We are looking for a Senior Associate – Individual Insurance Inforce Risk Analysis to join our dynamic Individual Insurance Actuarial Inforce and Policy Tax team! We are seeking a self-motivated professional with excellent critical thinking skills who is thorough and curious. In this role, you will join a team that handles complex policyholder queries, oversees the administration of Individual Insurance policyholder taxation and maintains the integrity of policyholder tax administration systems.

Join one of the region’s top employers and be part of something that truly makes a difference.

Work Arrangements: This is a hybrid role. You will work in our office in Waterloo, ON a minimum of two (2) assigned, consecutive days every other week, plus a fifth (5th) assigned day per month. You are welcome to work from the office more than the minimum requirement and there may be some roles that are required to work in our office more than the minimum requirement.

Reports To: Director, Individual Actuarial Inforce and Policy Tax
Department: Individual Insurance
Term: Permanent Full-Time

What you’ll do:

• Answer complex policyholder queries (including policyholder taxation and actuarial inforce policy issues)
• Review processes and procedures followed by the Individual Insurance Actuarial Inforce and Policy Tax team
• Recommend changes to processes and procedures as appropriate
• Proactively recommend and, if approved, design and implement innovative solutions to enhance accuracy, streamline workflows, and drive operational efficiency
• Identify gaps, omissions or activities that could expose the organisation to operational risk
• Ensure exempt test processes are appropriate and applied properly for all inforce individual insurance policies and recommend needed modifications
• Review and verify the accuracy of tax slips before submission to clients
• Provide subject matter expertise on policyholder taxation and actuarial inforce (including participation in projects)
• Review and sign-off on system changes and operational procedures and processes with respect to actuarial inforce policy calculations and policyholder taxation
• Develop and maintain tools to support actuarial inforce business and policyholder taxation
• Ensure calculation and rate integrity of inforce illustration systems 
• Peer review and sign-off on illustration software specifications prepared by the Illustrations team with respect to policyholder tax calculations and inforce illustration rules and calculations

What you’ll bring:

• University degree, preferably in Engineering, Physics, Mathematics, or Finance
• Excellent critical thinking and problem-solving skills
• Keen attention to detail and curiosity about what you do
• Excellent communication and interpersonal skills
• Focus on providing excellent service to clients
• Strong knowledge of Microsoft Excel including VBA
• Solid knowledge of SQL 
• Solid knowledge of a coding language (e.g. Python, C, C++)
• Ability to handle multiple tasks and deadlines for various stakeholders 
• Strong negotiation, collaboration and decision-making skills
• Knowledge of individual insurance products is an asset
• Knowledge of Automation Suite Tools (e.g. Pyautogui, Selenium) is an asset

What’s in it for you:

• Career Growth: Regular learning sessions and development opportunities  
• Total Rewards: Incentive pay, annual salary reviews, employer-paid benefits and pension matching 
• Time Away: Competitive vacation plus one paid volunteer day each year 
• Flexibility: Healthy work-life balance with employee wellness always top of mind, complemented by a “dress for your day” approach 
  
  

We’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at careers@equitable.ca. We’re happy to help.

If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included. This position is open and we are excited to find the right person to join our team. Your base pay will be based on your skills, qualifications, experience and education.

At Equitable, your resume will be reviewed by real people and all hiring decisions are made by our recruiters and hiring managers. AI tools may be used to support administrative and productivity tasks throughout the recruitment process, but we believe that evaluating experience, skills, and talent potential requires meaningful human interaction.

As part of our commitment to maintaining a secure and trusted workplace, candidates selected to move forward in the recruitment process will be required to complete a background screening in accordance with company policy.